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City · 5,678 residents · Sequatchie County, Tennessee

Dunlap , Tennessee

In Dunlap, a typical home is worth $192,100 and typical rent is $868 a month. Compared with all of Sequatchie County, typical household income is 22% lower, the typical home value is 17% lower, and the share of households that own their home is 16 points lower.

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  • Typical home value

    $192,100

    17% below the county

    33% below Tennessee

    • Dunlap
    • Sequatchie
    • Tennessee

  • Typical rent

    $868a month

    6% above the county

    27% below Tennessee

    • Dunlap
    • Sequatchie
    • Tennessee

  • Typical household income

    $45,589a year

    22% below the county

    34% below Tennessee

    • Dunlap
    • Sequatchie
    • Tennessee

  • Households that own their home

    62%

    16 points below the county

    5 points below Tennessee

    • Dunlap
    • Sequatchie
    • Tennessee

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$270,292
2.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Dunlap is in Sequatchie County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Sequatchie County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dunlap apart

What this place has that others do not, from public data, most unusual first.

  1. Dunlap has the 5th largest share of rent-burdened renters of the 101 cities in Tennessee with more than 5,000 people (60%).

  2. 62% of households in Dunlap own their home, against 78% in Sequatchie County.

  3. The typical household income in Dunlap is $45,589, 22% less than in Sequatchie County as a whole ($58,750).

  4. The typical home in Dunlap is worth $192,100, 17% less than in Sequatchie County as a whole ($232,600).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Dunlap

What homes there are in Dunlap, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Dunlap, but it weighs less than in Sequatchie County: 64% against 73%.

Year built

In Dunlap, half of the homes were built before 1983; in Sequatchie County, before 1993.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,167 a month

Sequatchie County: $1,301 a month

Without a mortgage

$380 a month

Sequatchie County: $428 a month

Owners with a mortgage

34%

Sequatchie County: 44%

Owning costs less in Dunlap: with a mortgage, the typical cost is $1,167 a month; in Sequatchie County, $1,301. Without one, $380.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Dunlap rose 79%; in Sequatchie County, it rose 63%.

The typical rent in Dunlap rose 25% over the same time; in Sequatchie County, it rose 18%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDunlapSequatchie CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.2%3.4%
People per household 2.572.672.452.53
Drive alone 68%74%76%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate1%3%
Work from home Unreliable estimate16%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Dunlap look like those in Sequatchie County: 2.57 people on average.

To get to work, 68% of workers in Dunlap drive alone; in Sequatchie County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Dunlap?

A typical home costs more than the typical income allows

We start with a typical home in Dunlap, worth $192,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Dunlap, which is $45,589 a year. For that payment to be 28% of income, a household would need to earn about $65,401 a year.

The calculator's FHA and conventional loan limits are those of all of Sequatchie County.

Your numbers

Local data
$

Starts at the typical home value in Dunlap. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,724 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,526

at 7.18% · 30 years

Loan amount
$188,620
Total interest
$271,380
Paid off in
November 2056

Includes $3,244 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,064 a month

  • Tight

    $1,064 to $1,368 a month

  • Hard

    more than $1,368 a month

    Your payment · 40%

Compared with the typical household income in Dunlap ($45,589 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,526
Principal & interest$1,278
Property tax$83
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,724 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Dunlap and Sequatchie County

Dunlap is in Sequatchie County, Tennessee. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Dunlap's own numbers

Typical home value
$192,100
Typical monthly rent
$868
Typical yearly household income
$45,589
Households that own their home
62%
Effective property tax rate
0.52%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Sequatchie County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+66%
Homes in a high flood-risk zone
3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Sequatchie County.

Everything about Sequatchie County

Buying

Buying a home in Dunlap

A typical home in Dunlap is worth $192,100: 17% below the county and 33% below Tennessee. With the typical household income in Dunlap ($45,589 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Dunlap 4.2 years
  • Sequatchie 4.0 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sequatchie County

According to FHFA’s house price index, home prices in Sequatchie County rose 104% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Sequatchie County.

Period County Tennessee U.S.
Last year (2025) +0.5% +2.4% +2.9%
5 years (2020–2025) +66% +60% +47%
10 years (2015–2025) +104% +114% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Dunlap next to Sequatchie County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Dunlap $192,100
  • Sequatchie $232,600
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Dunlap $868
  • Sequatchie $818
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Dunlap $45,589
  • Sequatchie $58,750
  • Tennessee $69,595
  • United States $80,734
See the full table
Dunlap next to Sequatchie County and Tennessee
Measure Dunlap Sequatchie County Tennessee U.S.
Typical home value $192,100 $232,600 $286,700 $332,700
Typical monthly rent $868 $818 $1,189 $1,413
Typical yearly household income $45,589 $58,750 $69,595 $80,734
Households that own their home 62% 78% 67% 65%
Typical yearly property tax $995 $1,051 $1,442 $3,119
Effective property tax rate 0.52% 0.45% 0.5% 0.94%
Renters with high rent for their income 60% 56% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sequatchie County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Dunlap

For a typical $192,100 home in Dunlap, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dunlap's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,526a month

    Least cash to close
    Down payment
    $6,724
    Cash to close
    $12,487
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,491a month

    Down payment
    $9,605
    Cash to close
    $15,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,204a month

    Down payment
    $38,420
    Cash to close
    $44,183
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,382a month

    Down payment
    $28,815
    Cash to close
    $34,578
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Dunlap and for Sequatchie County.

Property tax

Effective rate in Dunlap

0.52%of the home’s value each year

$995 a year for the typical owner in Dunlap.

  • Dunlap 0.52%
  • Sequatchie 0.45%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Sequatchie County

FEMA does not publish these numbers by city: they are for all of Sequatchie County.

Homes in the high-risk zone
3%
211
Of those, with NFIP insurance
13%
County Tennessee U.S.
Homes in the high-risk zone 3% 1.6% 3.5%
Of those, with NFIP insurance 13% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dunlap

Typical rent in Dunlap is $868 a month: 6% above the county. In Dunlap, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sequatchie County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 an hour working full time.

HUD fair market rent for all of Sequatchie County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,181 $22.71 $47,240
1 bedroom $1,231 $23.67 $49,240
2 bedrooms $1,340 $25.77 $53,600
3 bedrooms $1,657 $31.87 $66,280
4 bedrooms $1,761 $33.87 $70,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Dunlap

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dunlap is in ZIP code 37327.

For 2 bedrooms it is $1,000: $340 less than the fair market rent for Sequatchie County ($1,340).

  • 37327 $1,000$1,230

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dunlap when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Dunlap

HUD lists 2 buildings with rents for lower incomes in Dunlap. These are the largest.

  • Valley View Garden Apts 10 Garden Court Loop, Dunlap 37327 64 low-income homes · 2 bd: 44 · 3 bd: 20 · In service since 2004 · For families
  • Dunlap Gardens 184 Buddy Skyles Rd, Dunlap 37327 51 homes, 50 low-income · For families (423) 949-4274

See all 2 buildings in Sequatchie County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dunlap

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Sequatchie County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Dunlap

No down payment, repair or rent-help program on our list is for Dunlap or Sequatchie County. The ones below are statewide in Tennessee: they work in Dunlap the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near Dunlap

The HUD-approved agencies closest to the center of Dunlap, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Chattanooga Neighborhood Enterprise, Inc.

    1500 Chestnut St Ste 102, Chattanooga · 23 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (423) 756-6201

  • CCCS of Rochester-Chattanooga

    5600 Brainerd Rd, Chattanooga · 27 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (423) 490-5620

  • City Fields

    1075 Blythe Ave SE, Cleveland · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (423) 472-9876

All counseling agencies in Tennessee

Help in Spanish near Dunlap

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Dunlap

In HUD’s record, no housing authority with an office in Sequatchie County is named for Dunlap or Sequatchie County.

One other authority has an office in Sequatchie County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Dunlap, with the typical home value.

Everything about Sequatchie County Housing in Tennessee

Neighboring counties

If Sequatchie County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Dunlap.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Dunlap

Short answers with the numbers for Dunlap and all of Sequatchie County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Dunlap?

The typical home value in Dunlap is $192,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sequatchie County it is $232,600.

How much does it cost to rent in Dunlap?

Typical rent in Dunlap is $868 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sequatchie County is $1,340.

What is the FHA loan limit in Dunlap?

Dunlap uses the FHA limit for all of Sequatchie County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Dunlap?

The typical homeowner in Dunlap pays $995 a year, according to the U.S. Census Bureau. That is 0.52% of the home’s value; in Sequatchie County, the rate is 0.45%.

Where can I find free help to buy or rent in Dunlap?

We found no HUD-approved counseling agencies with an office in Sequatchie County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).